basically extreme weather has gotten more frequent, more intense, particularly as it happens in north america, and the insurance company is saying that they are now beyond the debate over whether climate change is real. they have accepted that, and they are calling on industry to deal with it as a statistical reality. i thought that was a nice accompaniment to the scientific research because the munich re guys are not doing basic climate research, but simply serving the money they pay out over time and saying, we have been paying out more billions in recent decades then we had anticipated and see a trend and we can see no explanation other anan the relationship to global warming. >> in fact, even the pentagon, right? for years, even under the bush @administration, has been saying this is one of the greatest threats in terms of national security in the 21st century. everything from what we're seeing now, the catastrophic of facts, to climate refugees and how you deal with people who are moving from one place to another because they are so threatened in their home country. >> that is right. i t